Policy Summary Perkbox/Mobiru NOV 2017

Transcription

1 Policy Summary Perkbox/Mobiru NOV 2017

2 MOBIRU MOBILE PHONE INSURANCE POLICY SUMMARY This policy summary does not contain the full terms and conditions of the insurance. For full details of the cover provided by this policy, please read the policy wording. YOUR INSURER This policy is underwritten by Great American International Insurance DAC who are independently rated and are part of the Standard & Poor s A+ rated Great American Insurance Group. Great American International Insurance DAC are authorised and regulated by the Central Bank of Ireland and registered in Ireland at Station House, Dublin Road, Malahide, Co Dublin, Ireland. Company Registration Number In respect of business in the United Kingdom, Great American International Insurance DAC are regulated by the Financial Conduct Authority (number ) for conduct of business rules. This can be confirmed at or by contacting the Financial Conduct Authority on TYPES OF INSURANCE AND COVER Your mobile phone is covered against the following risks: theft; Accidental loss; breakdown; and accidental damage (including liquid damage) Your mobile phone should be no more than 30 months old at the time of purchase of this policy as evidenced by a relevant proof of purchase or proof of exchange. Our maximum liability in respect of any one claim, will be limited to the replacement cost of the mobile phone being claimed for and in any event, shall not exceed the maximum liability of 1200 including VAT and the cost of accessories used in conjunction with your mobile phone up to a value of 150 including VAT in any event. The cover under this policy shall not exceed the maximum limitations of liability as shown on your Insurance Schedule. SIGNIFICANT FEATURES AND BENEFITS This policy covers your mobile phone which must be no more than 30 months old at the time of registration on the portal against the above risks whilst being used in the United Kingdom, Isle of Man or Channels Islands, by you as the person who purchased it (over the age of 16). Cover is extended to include use of your mobile phone anywhere in the world, for a maximum of 30 days in any one year. Please refer to the What is Covered section of the policy wording for full details. SIGNIFICANT AND UNUSUAL EXCLUSIONS OR LIMITATIONS Like all policies, there are some things this policy does not cover. Importantly this policy does not cover: A mobile phone which is owned by your employer except if you are a Gold Card holder.

3 Any mobile phone that has been stolen from any motor vehicle, unless the vehicle is locked and all protections are in operation and your mobile phone is concealed out of sight so that forced and violent entry into the vehicle is required. Evidence of the thief s damage to the vehicle must be provided if your mobile phone is stolen from an unattended vehicle the vehicle s windows and doors must have been closed and locked and all the security systems must have been activated for cover to apply. Any theft, accidental loss or accidental damage to your mobile phone whilst in the possession of anyone else other than yourself. Any theft of your mobile phone left unattended in a public place or a place to which the public has regular access. Damage to the SIM or memory card inside your mobile phone which are damaged independently of any damage to your mobile phone unless such damage is directly caused as a result of accidental damage to or a breakdown of your mobile phone. Any claim for accessories unless those accessories are attached to your mobile phone at the time of the incident of accidental damage, accidental loss, theft or breakdown. Any claim arising from abuse or wear and tear or gradual deterioration, any other costs that are caused by the incident unless specifically stated in your Insurance Schedule. Claims for theft, which are not accompanied by a crime reference number. Any claim which is not reported as soon as reasonably possible following discovery of the incident or from your return to the United Kingdom where the incident occurred outside of the United Kingdom. There is an excess of 100 payable on each and every claim as specified in the policy. You must pay the excess before we approve a claim. Theft and accidental loss claims must be reported to the appropriate local police and your network provider as soon as reasonably possible following discovery of the incident. You are required to take all reasonable precautions to protect your mobile phone against theft, accidental loss or accidental damage If you require more information about these, or other exclusions and limitations, you should read the policy, wordings particularly the section headed What is not covered? for full details. Please ensure you read these carefully and familiarise yourself with them. DURATION OF INSURANCE AND THE RIGHT TO CANCEL You may cancel the cover at any time by giving 14 days notice to the Administrator by or by calling telephone number (freephone). If you do cancel this cover there will be no refund of premium as you do not pay for this insurance. We may also cancel this cover by giving you 14 days notice to you at your last known address. If we do cancel this cover no refund will be given as you have not paid for this insurance. Please refer to the Policy Cancellation sections of the policy for full details

4 COMPLAINTS If there is any occasion when our service does not meet your expectations please contact us using the appropriate contact details below: Claims or Service related complaints: The Replacement Service Ltd., New Alphabet House, Carden Street, Worcester, Worcestershire WR1 2AT Tel: (local rate call) Sales related complaints: Insync Insurance Solutions Ltd, 9 Albany Park, Cabot Lane, Poole, Dorset, BH17 7BX Telephone: complaints@insyncinsurance.co.uk We will acknowledge your complaint within 2 working days. You may refer your complaint to the Financial Ombudsman Service at any time: The Financial Ombudsman Service, Exchange Tower, London E14 9SR, United Kingdom. Telephone: (Switchboard). For calls outside of the UK, please call complaint.info@financial-ombudsman.org.uk. Web Address: Please note in the meantime, you are still entitled to seek to refer your complaint to the Financial Ombudsman Service ( for an independent review. If you wish to complain about an insurance policy purchased online you may be able to use the European Commission s Online Dispute Resolution platform, which can be found at the following address: These procedures do not affect your legal rights. CLAIMS NOTIFICATION If you need to make a claim please contact: The Replacement Service Ltd., New Alphabet House, Carden Street, Worcester, Worcestershire WR1 2AT Tel: (local rate call) perkbox@trsclaims.co.uk Please refer to the How to make a Claim section of the policy wording for full details. REPLACEMENT EQUIPMENT In the event that your claim is authorised and your mobile phone is replaced, we will replace it with an identical fully refurbished or new (where a refurbished item is not available) item. This is not a new for old insurance. Should this not be possible the Administrator will replace it with a fully refurbished or new mobile phone (where a refurbished item is not available) of a comparable specification or the equivalent

5 value. Please note wherever possible your mobile phone will be replaced with equipment with the same colour or finish, however, where this is not possible or economical, an alternative colour/finish will be provided. Repairs - In the event that your claim is authorised and your mobile phone is repaired it may be repaired with refurbished or unbranded parts You will need to provide us with accurate and up-to date information if we are to provide insurance cover for you or your property. You will need to provide us with accurate and up-to-date information if you are making a claim under your own policy. Failure to provide sufficient information may prevent us from providing cover or, if you are making a claim, may delay the processing of your claim. The provision of false information may mean that a claim made by you under the policy will not be paid and may possibly result in a criminal prosecution for fraud. Finally, all calls maybe recorded for training and monitoring purposes Your policy is administered by Insync Insurance Solutions Ltd, to make changes to your cover, please call telephone number No: (freephone), or visit perkbox-client. mobiru.co.uk For full details please refer to your policy wording. Claims are administered by The Replacement Service, in the event you would like to make a claim, please call telephone number No: (local rate call.) For full details please refer to your policy wording. *The Value stated is the maximum limit of liability for each item. This policy schedule must be read in conjunction with the policy wording document which explains the full terms and conditions of this insurance. This Policy is underwritten by Great American International Insurance DAC Great American International Insurance DAC is a regulated insurance company, based in Dublin, Ireland and are part of the Standard & Poor s A+ rated Great American Insurance Group. The registered office and business address of Great American International Insurance DAC (registered office number ) is at Station House, Dublin Road, Malahide, Co. Dublin, Ireland. Great American International Insurance DAC is regulated by the Central Bank of Ireland. Great American International Insurance DAC is regulated for the conduct of business in the UK by the Financial Conduct Authority.

6 Perkbox/Mobiru NOV 2017